Can mental illness / paranoid schizophrenia develop almost like out of nowhere? I never felt like this before...?

I'm 27 years old and never really suffered from mental illness growing up. I've always had slight anxiety and very minor depression but nothing that ever really felt debilitating. Over the last few years I've noticed a lot of changes in myself. EXTREME paranoia. I feel often like people are harming me or my family plotting malicious things against me. I have become very reclusive almost never leaving the house or allowing anyone in my house. Extreme anxiety. I don't really hear voices or think the tv is actually talking to me but if I see something on tv that sets me off or makes me upset I may take it as a sign that whatever happened on tv is a sign someone is doing or plotting the same malicious act against me or my family. I'm to paranoid to even seek a counselor I feel like they will use anything I tell them to harm me like put me away or tell me I'm not fit to live around other people. I know these thoughts are probably over the top but there there.. On bad days I'll even think that my own family husband or my parents is plotting to hurt me in one way or another. I never use to feel like this growing up everything was so normal for me. It's like over the last few years I've had these thoughts. I feel like why? I've always been fine.. My dad and his sister my aunt both have schizophrenia diagnosis I'm worried it is hereditary but I feel like I've always been fine why now? A few years ago I went through a nasty divorce (I am re married now). Could this trigger it? Idk...